10 tips on how to save without compromising on quality of life

Why do we save and how to do it

If you want to learn how to save money and wisely manage the savings come to lecture "Effective management of personal finances. How to save money and have fun "from the series" The financial environment. "

Financial Advisor Natalia Smirnova tells why we need storage, life hacking will share about how to save money, learn how to set financial goals and without suffering to go to them.

The lecture will take place on March 28 at 19:00 in the Central Library named after N. BUT. Nekrasov (Moscow, Bauman Street, 58/25, p. 14). Admission is free, but space is limited. To get to the lecture, register in advance.

1. Set aside the money immediately after the salary

Financial airbag should be mandatory. This is the first that is worth to save money. Ideally, a good idea to have a separate storage account as soon as the salary came at the map, you will immediately be sent to this account for 10-15% of the amount received.

Spend the money and promise yourself that next month you set aside twice as much as it is impossible. Firstly, it is necessary to send in the savings fund is not 15, and already 30% - almost a third of the salary. Second, financial matters require discipline. Again decided to save, then no excuses can not be.

2. Do not delay paying bills

Suppose this month, you really do not want to pay for utilities, because they already have a lot of ideas on how to use the money. Surprise: next month will have to pay more. If the delay with the payment accumulates decent sum, which will surely strikes a hole even in a balanced budget.

Regular payments - the next item in the list of what you need to spend the money immediately after the salary. Set aside funds in the savings fund, paid for everything that is necessary, dispose of the rest of the money at its discretion.

3. Compose shopping lists

In particular this applies to the daily trips to the supermarket. You've probably noticed that you go to the store for milk and conditionally buckwheat, and leave with bags of stuff that you now do not really even need.

To avoid waste, make a menu for the week and make a list of what day of what foods you need to buy. So it will be less likely to be faced with a situation where the products for which you have spent your hard-earned money, ignominiously rotten in the depths of the refrigerator.

4. Watch for discounts

Sign up for newsletters online stores, explore flyers in supermarkets and install the application aggregator of discounts. Time searching for the prettiest price goes not so many, and the savings in the long run may prove to be quite decent.

There is one important point: if we are not talking about retail, but a hypermarket on the other side of town, think of how much money you spend on the road. The cost of travel in a taxi or on your car can make a tempting offer to zero.

5. Think about the acquisition

First of all, decide whether you need this thing is really crazy or just found the impatient mood, and immediately spend the money. Wait at least a week, if the desire to purchase a treasured piece will not disappear, go to the search for the most profitable option. Perhaps the Internet will find the thing at a discount dreams.

And just not worth it to go for shopping on payday. Suppose you have in your pocket is now a decent amount, but that does not mean that you need as quickly as possible to lower it. With this money, you still have to live, and the financial cushion of safety has not been canceled.

6. Plan big spending in advance

Ended the cold - peretryahnite warm clothes and see what you can wear next winter, and that it is necessary to update, while there are sales. At the same time, check how things were going with a summer wardrobe and write down what you need to buy for the season.

This approach avoids the situation where willy-nilly have to give any money for the thing, which is urgently needed. It is a kind of tax on the carelessness, but no one is forcing you to pay it.

7. Cheap does not mean bad

Get at least the production of own brands hypermarkets. As a rule, these things are cheaper than similar products with a great name.

For fun, compare how much it costs a bank pea-known brand and own brand hypermarket. Product quality is not affected, so you can safely buy and save.

8. Some things are more profitable to buy a hand

For example, the festive clothes that you are unlikely to frequent wear, children's clothes, musical instruments and sports equipment. Used dumbbell is no worse than new ones, but it will cost you less.

And yes, the things that you do not need to sell. So they will bring people to benefit and you some money.

9. share costs

For example, you can make friends with the joint orders from online stores and to share equally the cost of delivery. Another option - a joint trip to the supermarket. If the stock will fall, "Two for the price of one", you get a good idea to save money.

Finally, if you are arranging a house party (that basically cheaper going to the bar), share purchase. With your meal, with drinks offers, or vice versa.

10. Make a list of things which can not save

The savings should be reasonable - excessive restriction in spending often results in even greater costs. For example, buying cheap shoes for spring threatens that after the first walk through the puddles shoes will flow, and you have to spend money for repairs or a new pair of shoes.

Good clothes and shoes, medicines, fresh produce - this is the minimum list of things that are worth to pay a little more. If you happen to find the ideal combination of price and quality - great, if not - choose all the same quality.

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To save, do not deny yourself all pleasures of life - enough to reconsider habits and to behave responsibly. If you want to clean up the relationship with money, on the website "Financial culture"You will find useful articles, and life hacking tips on how to manage a personal budget.

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